Say goodbye to late fees.

If you keep finding yourself getting hit with extra finance charges because your credit-card bill is regularly due before you’ve received your paycheck, call the credit-card company and ask to have your due date changed. It might take a few months for this change to kick in, but it’s well worth the wait.

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#1
Great tip! I also found that you can call most credit card companies and ask them to remove the late fee. And you should always ask for a better rate, you will be surprised how often you can save a point or two, especially if you were punished for a late payment and you are paying way more than you should.